Podcasts about BTO

The numbers are in. The policies are outlined. But how will Budget 2025 influence Singapore's ever-evolving property landscape? George, Jesley, and Yong Zhun from PropertyLimBrothers analyse Budget 2025, Their conversation touches on key themes from the budget and their possible impact on housing and property decisions. Prime Minister Lawrence Wong's commitment to long-term HDB affordability provides important context, while our speakers share thoughtful perspectives on what might lie ahead.   Trying to make sense of where the market is headed, this episode delivers a clear lens on the forces at play. Tune in to hear what Budget 2025 could mean for the future of housing in Singapore before the changes become reality.   00:00 Intro 02:08 Budget 2025 Highlights / SG60 Package 05:52 Sustainable City 06:46 Equipping Workers Throughout Life 08:38 Empowering Businesses 10:25 Supporting Singaporeans 15:20 George received FREE money from the government 17:00 Assurance that HDB flats will remain affordable 20:44 Upcoming HDB launches 22:38 Why the price of BTOs double in resale? 28:27 BTO or EC have an income ceiling. 30:30 George transition home story 31:39 How much should be the income ceiling? 34:00 Reduce the HDB resale transactions 40:00 Balancing act to make housing price affordable 44:20 Restriction on HDB according to the size of the family 46:22 Part 2 Teaser... 47:17 Outtakes

For more than 60 years, Canadian rock and roll legend Randy Bachman has been takin' care of business and working overtime. He co-founded not one but two of the most successful rock bands to come out of this country: The Guess Who and Bachman–Turner Overdrive. Randy sits down with Tom Power to look back on his incredible life in music, from leaving The Guess Who at the height of their success, to Neil Young helping him start his new band, all the way up to his new BTO single, which looks back at Winnipeg — the city that he says gave him everything.

Million-dollar HDBs used to be rare—now they're outlining Singapore's public housing market. In this episode of NOTG, George, Alfred, and Joan from PropertyLimBrothers break down what's driving up prices, why 2025 is packed with new launches, and how future homeowners should prepare.   They uncover the 5 upcoming HDB launches in February, clarify the requirements for buying BTO and SBF flats, and decode the implications of the 10,000 units slated for release across just two windows this year. From the sharp rise in million-dollar HDB transactions post-2015 to the surge in 2023, this episode maps where these sales are happening, and who's buying.   Hear why many high-income earners are opting for 4- and 5-room BTOs as their forever homes, along with relatable investment strategies and financial planning examples. This is a timely episode every aspiring homeowner and property investor should not miss. Tune in to hear how the ground is shifting.   00:00 Introduction 02:25 Upcoming BTO Launches 10:49 Why is west side is the best side? 15:30 Requirements for buying a BTO and SBF 2025 17:16 Why are there a lot of BTO and SBF launches? 18:20 HDB houses affordability / SG birth rate 20:55 Higher demand for 2 bedders for space 22:00 SG granting more citizenship 22:58 Million-Dollar HDB transactions 30:17 $12K to $15K income case study 42:00 BTO upgraders profiles 43:20 BTO route for investment 46:47 High earner couple investment case study (Reverse approach) 55:46 Upcoming Episode... 56:32 Outtakes

This session from DARPA's 60th anniversary symposium, D60, highlights the role of DARPA's Biological Technologies Office in defending the homeland. BTO Director Dr. Justin Sanchez presents a new biosecurity framework to address the nation's need for novel capabilities to counter bioterrorism, to deploy innovative biological countermeasures for warfighter protection, and to accelerate force readiness. In addition, Dr. Sanchez provides examples of BTO efforts within the framework, including restoration of nervous system function and achieving cognitive overmatch.  Former Secretary of the Navy Dr. Richard Danzig draws some lessons from history to inform potential solutions for future biological security concerns. Providing a law enforcement perspective, FBI Supervisory Special Agent Ed You describes the current bio-threat landscape. Frontline Ebola physician Dr. Nahid Bhadelia presents her firsthand experience responding to the recent major outbreak in West Africa. Navy Seal Neil Hermansen delivers insights into the challenges facing the nation's special operation forces.  Moderator & Keynote  Dr. Justin Sanchez – DARPA, BTO  Panelists  Dr. Nahid Bhadelia – National Emerging Infectious Diseases Laboratories, Boston University School of Medicine  Dr. Richard Danzig – Johns Hopkins Applied Physics Laboratory CWO  Neil Hermansen, USN – DARPA, DIRO  Mr. Edward You – Federal Bureau of Investigation D60 took place Sept. 5-7, 2018, at Gaylord National Harbor, Oxon Hill, Maryland.

In Episode 122 of the She Shield Podcast, Sofia sits down with Michael Arterburn—retired law enforcement officer and the force behind Killer Bee Tactical. With 23 years of service, including roles as a Domestic Violence Detective, Internet Crimes Against Children Detective, and Bomb Technician, Michael brings a wealth of experience to our discussion. We delve into his transition from law enforcement to becoming a prominent voice on social media, where he shares hard-hitting takes on online and real-life safety. Watch the full video podcast on YouTube hereKey Topics Covered:Home Defense Strategies: Michael outlines common security oversights homeowners make and offers top recommendations for enhancing home safety, both structurally and behaviorally.Personal Safety in Public Spaces: We discuss essential habits and situational awareness techniques to minimize risks in everyday environments like parking lots, gas stations, and public transit.Hotel and Travel Safety: Michael shares specific precautions travelers should take when booking accommodations and securing themselves during stays at hotels or Airbnbs.Child Safety & Kidnapping Prevention: Drawing from his experience as a Crimes Against Children Detective, Michael addresses misconceptions parents have about child safety and proactive steps to protect children from potential predators, both online and in public spaces.Lessons from Real Cases: We explore recent cases that offer important lessons for individuals to inform their own safety measures.Michael emphasizes the importance of open communication between parents and children, especially regarding online safety and the dangers of sextortion.This episode is a must-listen for anyone interested in practical, real-world safety advice from someone who has dedicated his life to protecting others.Podcast Sponsors:Big Tex Ordnance: your soon-to-be favorite retailer for all of your firearms needs. Use code “FIT4FIA” for 10% off your BTO order and to support the pod via https://www.bigtexordnance.com/?ref=79990 All links: https://linktr.ee/sheshieldpodHold My Guns Firearms Storage for Those in Need: https://www.holdmyguns.org/Episodes are mixed and mastered by the talented Brendon Galanos. Resources mentioned in this episode: 1. All of Michael's Links2. Bark App and the Bark Phone3. Delete your personal data on "Delete Me"

Jesley, Yu Rong, and Shawn from PropertyLimBrothers answer burning questions from the audience—starting with how young couples should navigate the new BTO model (Standard, Plus, Prime). They break down how different profiles—DINKs, couples with kids, or those planning to upgrade—should choose based on family planning, income potential, and MOP duration.   In the market to sell? They discuss The team shares key considerations beyond just price, touching on personal timelines, future plans, and how to spot the right window of opportunity.   To round off the session, they ask each other—what would they buy with a $1.8M Drawing from PLB's internal frameworks, each of them shared their approach, from rental-centric plays to lifestyle-driven picks—surfacing often-overlooked choices that blend investment potential with practical liveability. Find out their reasons in this episode and more!   00:00 Introduction 01:39 What is the best route for young couples? 05:30 Long construction period 08:08 Future planning 12:30 $6K and $12K budget 18:30 Best time to sell 24:21 Selecting a RESALE private property 32:40 Benefiting from the future MRT lines 34:00 $1.8M Budget - Ideal for young families or first timer buyers 43:44 Looking at Dual Keys 45:50 Details of $1.8M budget options 51:40 Next Episode... 51:58 Outtakes

Marc welcomes @Ackerman1120 for a jam-packed segment powered by coffee, Cardinals wins, and playoff buzz. Tom shares his take on the Cardinals' energetic young roster, from Walker's spark to Newt Barr's power, and even the unexpected defensive heroics of Pedro Pagés. With a six-man rotation and road games ahead, Ackerman sees real potential if they prove themselves away from Busch. On the Blues front, the NHL playoffs are here, with Winnipeg looming large—BTO concerts and all. From Snuggerud's breakout to fond memories of the 2019 parade, it's a St. Louis sports check-in you don't want to miss.

EP219. Kenal Tiga Bulan, Terus Nak Kahwin!Kali ini kita bersama dengan salah seorang lagi dari penaja kita, Shahlan aka Untung Shahlan Ada. Beliau berkongsi apa yang membuatkan beliau membuat keputusan untuk berumahtangga dengan isteri walaupun baru berkenalan tiga bulan sahaja. Adakah tempoh perkenalan memberikan kesan dalam rumahtangga yang bahagia?==Segmen bersama penaja akan bincangkan tentang senario bagaimana jika BTO pilihan ditolak, apakah langkah yang perlu dilakukan?==Podcast ini ditaja oleh ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Den Irya⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ dan ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Untung Shahlan Ada⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, Dapatkan perkhidmatan jual beli hartanah, yang menyeluruh dan nasihat professional, berdasarkan pengalaman bersama lebih 30 tahun. Mulakan perjalanan hartanah anda bersama Den Irya dan Untung Shahlan Ada, pemenang anugerah yg banyak mendapat maklum balas positif dari pelanggan pelanggan mereka.Untuk keterangan lanjut, hubungi: Den Irya  82221597 dan Untung Shahlan Ada 96281170. Ikuti juga mereka di Instagram, Facebook dan TikTok:IG, FB & TikTok: denirya dan untungshahlanada.Den Irya dan Untung Shahlan Ada: "Merealisasikan impian hartanah anda."

HDB resale affordability is top of mind - are million-dollar flats the norm or the outliers? What could cash rich HDB upgraders move on to? What are your choices if you are looking at this moving picture of possibilities and want to buy or sell real estate today? Hosted by Michelle Martin with guest Ivan Cai, CEO of Crestbrick, this episode dives into the public housing market's key trends and investor outlook, BTO pipeline expansion, and MOP dynamics. What factors could reshape liquidity and long-term value in the resale market and where can investors head to, for help decoding good buys for property wealth?See omnystudio.com/listener for privacy information.

In Episode 121 of She Shield, I sit down with competitive shooter and coach Joey Sauerland to talk about the power of dry fire and the tools that can take your training to the next level. Joey shares how using a shot timer, metronome, and structured drills can help shooters of all levels refine their skills and measure real progress.We also dive into what it truly means to define success in shooting. Is it about speed, accuracy, consistency, or something else entirely? Joey breaks down how different aspects of performance—such as efficiency, control, and decision-making—play a role in becoming a well-rounded shooter. He shares insights on setting goals, tracking improvement, and building a training routine that maximizes results without wasting time or effort.If you're looking for practical ways to improve your shooting without always relying on live fire, this episode is packed with valuable takeaways. Tune in now!Follow the pod on instagram for more episode updates @sheshieldpod. Thank you all for your encouragement and support. If you are interested in exclusive content, become a Patreon here: https://www.patreon.com/sheshieldpodPodcast Sponsors: Links and CodesBig Tex Ordnance: your soon-to-be favorite retailer for all of your firearms needs. Use code “FIT4FIA” for 10% off your BTO order and to support the pod via https://www.bigtexordnance.com/?ref=79990 Walkers Inc. Hearing Protection: Use code “SHESHIELD20” to save and to support the pod https://www.walkersgameear.com/ SOG: Use code “SHESHIELD” to save and to support the pod https://sogknives.com/ GPS Range Bags: Use code “SHESHIELD20” to save and to support the pod https://www.goutdoorsproducts.com/ Birchwood Casey: Use code “SHESHIELD20” to save and to support the pod  https://www.birchwoodcasey.com/ Cold Steel: Use code “SHESHIELD20” to save and to support the pod https://www.coldsteel.com/ Ciguera Gear:  https://ciguera.com/ All links: https://linktr.ee/sheshieldpodHold My Guns Firearms Storage for Those in Need: https://www.holdmyguns.org/Episodes are mixed and mastered by the talented Brendon Galanos. Resources: 1. Train with Joey

Synopsis: The Usual Place host Natasha Ann Zachariah hunts for new perspectives on issues that matter to young people. Following Budget 2025 and the Committee of Supply Debate on government spending, Natasha invites as her co-host Isabelle Liew, a ST journalist who covers the housing beat. They welcome Minister for National Development Desmond Lee on their living room couch as he says housing affordability will always be a “top-of-mind” issue for Singaporeans, as the nation gears up for the upcoming general election. He explains how the Government’s measures, including the increase in supply of Build-To-Order (BTO) flats and the injection of executive condominium (EC) units, will start to address this issue. Highlights (click/tap above): 2:50 What are 'brownfield' sites? Minister explains; on seeming ground sentiment that homeownership is slipping out of reach for younger Singaporeans 5:29 Differences between "willing buyer, willing seller" resale open market and new BTO flats; on supply projection 9:25 On property sales flyers hyping up million-dollar HDB resale flats; the FOMO (fear of missing out) effect, information and prudence 11:42 On possible government levers and measures on demand, how market can find stable baseline over the long term; advice to younger home-buying couples 18:20 On how his own West Coast GRC team fared since the last general election, and following the departure of Mr S Iswaran after corruption charges 24:00 On voter sentiments and housing affordability as an issue for the GE 34:00 What Minister Desmond Lee has learnt about himself as a politician so far, juggling portfolios? On what happens at his Meet-the-People Sessions 39:28 The deeper nuances behind converting the brownfield site for the upcoming new Mount Pleasant BTO housing estate Follow Natasha on her IG account and DM her your thoughts on this topic: https://str.sg/8Wav Follow Natasha on LinkedIn: https://str.sg/v6DNRead Natasha's articles: https://str.sg/iSXm Follow Isabelle Liew on LinkedIn: https://str.sg/Lu6q Read Isabelle Liew's articles: https://str.sg/iqDq Filmed by: Studio+65 Edited by: Jacen Tan, ST Video Executive producers: Ernest Luis & Lynda Hong Follow The Usual Place Podcast on Thursdays and get notified for new episode drops: Channel: https://str.sg/5nfm Apple Podcasts: https://str.sg/9ijX Spotify: https://str.sg/cd2P YouTube: https://str.sg/wEr7u Feedback to: podcast@sph.com.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 ST Podcasts website: http://str.sg/stpodcasts ST Podcasts YouTube: https://str.sg/4Vwsa --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX #tup #tuptrSee omnystudio.com/listener for privacy information.

In Episode 120 Sofia interviews Tre'Von Barber is the owner and head firearms instructor at Barber Training Solutions, LLC, based in Fort Mill, SC. As an NRA-licensed, SLED-approved instructor and a USPSA Master Class competitor, Tre'Von brings a wealth of experience in both firearms training and competitive shooting.At Barber Training Solutions, Tre'Von focuses on firearms mechanics, manipulation, and efficiency, offering highly structured training and coaching that emphasizes fundamentals, confidence, and skill-building. His approach is simple yet highly effective—building strong foundations, increasing competency, and pushing each client's limits to enhance their shooting performance.In Episode 120, we discuss advancements in USPSA competition shooting, his journey as a firearms instructor, and his philosophy on training and skill development. Whether working with beginners or experienced shooters, Tre'Von's goal is to help his students achieve greater precision, efficiency, and confidence with their firearms.Follow the pod on instagram for more episode updates @sheshieldpod. Thank you all for your encouragement and support. If you are interested in exclusive content, become a Patreon here: https://www.patreon.com/sheshieldpodPodcast Sponsors: Links and CodesBig Tex Ordnance: your soon-to-be favorite retailer for all of your firearms needs. Use code “FIT4FIA” for 10% off your BTO order and to support the pod via https://www.bigtexordnance.com/?ref=79990 Walkers Inc. Hearing Protection: Use code “SHESHIELD20” to save and to support the pod https://www.walkersgameear.com/ SOG: Use code “SHESHIELD” to save and to support the pod https://sogknives.com/ GPS Range Bags: Use code “SHESHIELD20” to save and to support the pod https://www.goutdoorsproducts.com/ Birchwood Casey: Use code “SHESHIELD20” to save and to support the pod  https://www.birchwoodcasey.com/ Cold Steel: Use code “SHESHIELD20” to save and to support the pod https://www.coldsteel.com/ Ciguera Gear:  https://ciguera.com/ All links: https://linktr.ee/sheshieldpodHold My Guns Firearms Storage for Those in Need: https://www.holdmyguns.org/Episode shorts are made by the talented Lisa Hamilton and are mixed and mastered by the talented Brendon Galanos. Resources mentioned in this episode: 1. Tre'Von's Website

Wayne and Joanne, both 27 years old and earning $4,000 each, are ready to take the next big step—buying their first home. But with skyrocketing property prices and so many options, they're unsure where to start. Should they go for a BTO, resale HDB, or a resale condo? What if they make the wrong decision?   In this episode of NOTG, George Peng, Phyllis Goh, and Yong Zhun from PropertyLimBrothers break down exactly what young couples need to consider before making their first property purchase. Understand how to prioritise capital gain and long-term planning, avoid common mistakes, and assess the pros and cons of different housing options. Learn why Minimum Occupation Period (MOP) and Seller's Stamp Duty (SSD) matter, and find out how an investment portfolio comprising stocks and crypto could influence property selection.   If you fit the persona, are struggling with uncertainty and want clear, practical advice on buying your first home, this is the episode you don't want to miss!   00:00 - Intro 00:48 - Introducing host 1:06 - Phyllis Goh 02:27 - Persona A Wayne and Joanne 03:53 - George's first pay 05:14 - Phyllis' studies 05:58 - Big gap and prices 06:17 - Personal Disposable Income/Savings chart 06:57 - George's thoughts about Wayne and Joanne 07:13 - Phyllis' advice 09:18 - Yong Zhun's thoughts about Wayne and Joanne 10:06 - Three choices on Wayne and Joanne's situation 12:02 - Main 2 choices suggested by Yong Zhun (Resale HDB) 13:29 - Main 2 choices suggested by Yong Zhun (Resale Condo) 17:42 - What is a good and bad property purchase? 18:41 - Pros and Cons of resale HDB and Condo 22:41 - Timeline of Wayne and Joanne 24:13 - When to take BTO Route 25:12 - When divorce happen 25:43 - 99 years ownership on condo during divorce 31:41 - CCR, RCR, OCR 35:15 - George advice to Wayne and Joanne situation 35:22 - If George is in Wayne and Joanne's situation 36:24 - George opinion on insurance 37:24 - Kids needs 38:22 - George go BTO if he is on similar situation 39:07 - What would Yong Zhun do? 40:09 - When George take the BTO he would do it intentionally. Why? 40:26 - George remembering something about BTO 41:47 - Continuing on when George take the BTO route why would he do it intentionally. 43:06 - Parting message for Wayne and Joanne 43:56 - 9 years after on Wayne and Joanne situation 47:06 - 9 years later breakdown 51:53 - Part 2 teaser 52:13 - Outtakes

In Episode 119, Sofia interviews Marisa Laren, a multi-talented entrepreneur, artist, athlete, and advocate with a passion for living life to the fullest. A professional tattoo artist since 2012, she gained national recognition as a contestant on Ink Master Season 6 in 2015. In 2020, she launched her own private studio, Common Place, where she continues to create custom tattoo work. That same year, she rekindled her love for painting, now specializing in custom oil paintings.A dedicated athlete, Marisa has been a sponsored 1st Phorm athlete since 2014, originally competing in bodybuilding. Today, her training focuses on functional fitness, allowing her to pursue her love of adventure, hiking, and competitive shooting. She is also a vocal advocate for mental health and invisible illnesses, openly sharing her journey with multiple autoimmune diseases to inspire others.Marisa serves on the board of War Party Ranch, a nonprofit dedicated to empowering women from abusive or trafficked backgrounds by equipping them with skills in horsemanship and stockmanship. As a survivor of abuse herself, she understands firsthand the challenges of breaking free from toxic cycles and is committed to helping others achieve the independence necessary to rebuild their lives.In addition to her creative and advocacy work, Marisa is an avid traveler. Since 2017, she has embraced solo travel and, more recently, has begun hosting group travel experiences around the world. These curated trips help individuals—whether solo travelers or adventure seekers—build confidence, form meaningful connections, and explore the beauty of the world together.From her artistry to her athleticism and humanitarian work, Marisa embodies resilience and determination, making her an inspiring guest on She Shield.Follow the pod on instagram for more episode updates @sheshieldpod. Thank you all for your encouragement and support. If you are interested in exclusive content, become a Patreon here: https://www.patreon.com/sheshieldpodPodcast Sponsors: Links and CodesBig Tex Ordnance: your soon-to-be favorite retailer for all of your firearms needs. Use code “FIT4FIA” for 10% off your BTO order and to support the pod via https://www.bigtexordnance.com/?ref=79990 Walkers Inc. Hearing Protection: Use code “SHESHIELD20” to save and to support the pod https://www.walkersgameear.com/ SOG: Use code “SHESHIELD” to save and to support the pod https://sogknives.com/ GPS Range Bags: Use code “SHESHIELD20” to save and to support the pod https://www.goutdoorsproducts.com/ Birchwood Casey: Use code “SHESHIELD20” to save and to support the pod  https://www.birchwoodcasey.com/ Cold Steel: Use code “SHESHIELD20” to save and to support the pod https://www.coldsteel.com/ Ciguera Gear:  https://ciguera.com/ All links: https://linktr.ee/sheshieldpodHold My Guns Firearms Storage for Those in Need: https://www.holdmyguns.org/Episode shorts are made by the talented Lisa Hamilton and are mixed and mastered by the talented Brendon Galanos. Resources mentioned in this episode: 1. Marisa's Website2. Get involved with Marisa's nonprofit, War Party Ranch

In Episode 118, Sofia interviews Lucas Botkin! Lucas Botkin is an entrepreneur, innovator, and educator in the firearms industry. In 2013, with just $1,000 and an iPod Touch, he launched T.REX ARMS from a small garage, turning a passion for protection and a vision for innovation into a multi-million dollar manufacturing and retail company. What began as a custom holster business has since evolved into a brand known for high-quality firearm accessories, cutting-edge product development, and a commitment to education.From the beginning, Lucas saw T.REX ARMS as more than just a gear manufacturer. Recognizing gaps in the gun industry, he set out to design and produce high-end products that didn't yet exist, filling crucial voids in the market. But just as importantly, he envisioned the company as a platform to raise the standards of responsible firearm ownership and personal defense. Through engaging educational content, training resources, and social media outreach, Lucas and his team have built a community that values preparedness, self-reliance, and skill development.On this episode of the She Shield Podcast, we dive into the origins of T.REX ARMS, how the company got its name, and the purpose behind its educational content. Lucas shares insights into his process for creating high-quality training materials, the importance of keeping up with training, tips for practical preparedness, and more. Don't miss this conversation packed with valuable knowledge from one of the industry's leading voices.Follow the pod on instagram for more episode updates @sheshieldpod. Thank you all for your encouragement and support. If you are interested in exclusive content, become a Patreon here: https://www.patreon.com/sheshieldpodPodcast Sponsors: Links and CodesBig Tex Ordnance: your soon-to-be favorite retailer for all of your firearms needs. Use code “FIT4FIA” for 10% off your BTO order and to support the pod via https://www.bigtexordnance.com/?ref=79990 Walkers Inc. Hearing Protection: Use code “SHESHIELD20” to save and to support the pod https://www.walkersgameear.com/ SOG: Use code “SHESHIELD” to save and to support the pod https://sogknives.com/ GPS Range Bags: Use code “SHESHIELD20” to save and to support the pod https://www.goutdoorsproducts.com/ Birchwood Casey: Use code “SHESHIELD20” to save and to support the pod  https://www.birchwoodcasey.com/ Cold Steel: Use code “SHESHIELD20” to save and to support the pod https://www.coldsteel.com/ Ciguera Gear:  https://ciguera.com/ All links: https://linktr.ee/sheshieldpodHold My Guns Firearms Storage for Those in Need: https://www.holdmyguns.org/Episodes are mixed and mastered by the talented Brendon Galanos.

Buying a home as a single professional can be a tough decision—HDB resale, 2-room BTO, or a 1-bed condo—the options are vast! In today's NOTG episode, Yu Rong, Jesley, and Jun Wei talk about the key factors every single homebuyer should consider, from affordability to flexibility and long-term investment potential.   They break down the pros and cons of each option, including the 5-year MOP commitment of an HDB resale, the budget-friendly yet lengthy wait for a 2-room BTO, and the flexibility of a 1-bed condo, which also comes with its own set of challenges. Beyond just the numbers, this episode also tackles the realities of living alone, the independence it brings, and how to make a future-proofed decision when choosing the right home. Plus, get exclusive insights into 2025 market predictions and the best areas for singles looking to invest in property.   If you're planning your next move as a single who has just hit the tender age of 35, don't miss this advice on home-buying! Timestamps: 00:00 Intro 00:51 Charmaine persona preview (Single professional) 03:00 Options 16:50 Looking at 1-Bedder units 20:20 Finding the right unit 23:30 Lee Jun Wei's free tip 28:28 2025 Predictions 35:00 Closing thoughts 42:41 Outtakes

Far too many candidates demonstrate poor knowledge of consulting by insisting that they want to work for McKinsey strategy and not operations or BTO. This is a flawed strategy which will only hurt their chances in the short, medium and long-term. This podcast explains why and how to compensate for this misunderstanding.   Here are some free gifts for you:   Overall Approach Used in Well-Managed Strategy Studies free download: www.firmsconsulting.com/OverallApproach   McKinsey & BCG winning resume free download: www.firmsconsulting.com/resumepdf   Enjoying this episode? Get access to sample advanced training episodes here: www.firmsconsulting.com/promo

In Episode 117, (Part 2 of Ep. 116) Sofia interviews Julie Willis, CEO and founder of Zendira, a company dedicated to designing stylish, functional bags specifically for carrying firearms. Julie takes us on her journey of creating Zendira, sharing how her personal experiences as a shooter and her deep understanding of women's unique needs in self-defense led her to build a brand that seamlessly combines security with sophistication.We dive into the nuances of off-body and hybrid carry, discussing when these methods are appropriate and how to choose a bag that is both safe and efficient for self-defense. Julie also shares a sneak peek of Zendira's latest collaboration, the Sofia bag, designed with both fashion and function in mindJulie and our hosts also discuss the meticulous design process behind Zendira bags, making sure that women can confidently carry their firearms without compromising on style or comfort. Tune in for an insightful conversation about blending defense and fashion, and how to choose the right self-defense tools and gear for your lifestyle. Whether you're a seasoned shooter or just beginning to explore personal defense, this episode is packed with useful advice and inspiring stories.Follow the pod on instagram for more episode updates @sheshieldpod. Thank you all for your encouragement and support. If you are interested in exclusive content, become a Patreon here: https://www.patreon.com/sheshieldpodPodcast Sponsors: Links and CodesBig Tex Ordnance: your soon-to-be favorite retailer for all of your firearms needs. Use code “FIT4FIA” for 10% off your BTO order and to support the pod via https://www.bigtexordnance.com/?ref=79990 Walkers Inc. Hearing Protection: Use code “SHESHIELD20” to save and to support the pod https://www.walkersgameear.com/ SOG: Use code “SHESHIELD” to save and to support the pod https://sogknives.com/ GPS Range Bags: Use code “SHESHIELD20” to save and to support the pod https://www.goutdoorsproducts.com/ Birchwood Casey: Use code “SHESHIELD20” to save and to support the pod  https://www.birchwoodcasey.com/ Cold Steel: Use code “SHESHIELD20” to save and to support the pod https://www.coldsteel.com/ Ciguera Gear:  https://ciguera.com/ All links: https://linktr.ee/sheshieldpodHold My Guns Firearms Storage for Those in Need: https://www.holdmyguns.org/Episodes are mixed and mastered by the talented Brendon Galanos Resources mentioned in this episode:1. Zendira Website2. Vicky Farnam for Off-Body Carry Education

In Episode 116, Sofia interviews Julie Willis, CEO and founder of Zendira, a company dedicated to designing stylish, functional bags specifically for carrying firearms. Julie takes us on her journey of creating Zendira, sharing how her personal experiences as a shooter and her deep understanding of women's unique needs in self-defense led her to build a brand that seamlessly combines security with sophistication.We dive into the nuances of off-body and hybrid carry, discussing when these methods are appropriate and how to choose a bag that is both safe and efficient for self-defense. Julie also shares a sneak peek of Zendira's latest collaboration, the Sofia bag, designed with both fashion and function in mindJulie and our hosts also discuss the meticulous design process behind Zendira bags, making sure that women can confidently carry their firearms without compromising on style or comfort. Tune in for an insightful conversation about blending defense and fashion, and how to choose the right self-defense tools and gear for your lifestyle. Whether you're a seasoned shooter or just beginning to explore personal defense, this episode is packed with useful advice and inspiring stories.Follow the pod on instagram for more episode updates @sheshieldpod. Thank you all for your encouragement and support. If you are interested in exclusive content, become a Patreon here: https://www.patreon.com/sheshieldpodPodcast Sponsors: Links and CodesBig Tex Ordnance: your soon-to-be favorite retailer for all of your firearms needs. Use code “FIT4FIA” for 10% off your BTO order and to support the pod via https://www.bigtexordnance.com/?ref=79990 Walkers Inc. Hearing Protection: Use code “SHESHIELD20” to save and to support the pod https://www.walkersgameear.com/ SOG: Use code “SHESHIELD” to save and to support the pod https://sogknives.com/ GPS Range Bags: Use code “SHESHIELD20” to save and to support the pod https://www.goutdoorsproducts.com/ Birchwood Casey: Use code “SHESHIELD20” to save and to support the pod  https://www.birchwoodcasey.com/ Cold Steel: Use code “SHESHIELD20” to save and to support the pod https://www.coldsteel.com/ Ciguera Gear:  https://ciguera.com/ All links: https://linktr.ee/sheshieldpodHold My Guns Firearms Storage for Those in Need: https://www.holdmyguns.org/Episodes are mixed and mastered by the talented Brendon Galanos Resources mentioned in this episode: 1. Zendira Website2. Vicky Farnam for Off-Body Carry Education

VOV1 -Để đảm bảo cung cấp điện phục vụ các hoạt động chính trị - xã hội, nhân dân vui xuân, đón Tết, vừa đảm bảo điện cho khu vực ĐBBB lấy nước đổ ải vụ Đông Xuân 2025, hàng nghìn lao động của EVNNPC sẽ trực Giao thừa, "đón Tết cùng dòng điện". Ghi nhận của PV Nguyên Long & Bá Toàn:

How are HDB BTO flats distributed in Singapore? Why the 99-year lease for public housing? Is housing affordability and BTO waiting time being addressed?In today's podcast, we invite Minister Indranee Rajah for a deep dive into public housing and housing policy updates in Singapore. We explore topics like public housing affordability amid rising HDB prices in Singapore's housing market, the new HDB BTO flat classification framework, and HDB flat eligibility (HFE) for first-time homebuyers seeking new BTO flats, like those at the newly completed Punggol Point Cove.#singapore #publichousing #dailyketchup Hosted on Acast. See acast.com/privacy for more information.

This week, George, Jesley, and Yong Zhun from PropertyLimBrothers discuss the journey of young couples in their late 20s as they navigate the complexities of buying their first home. Using the example personas of Wayne and Joanne, they break down the essential steps for making informed and confident decisions in today's property market.   Focusing on the "Spring season" of life (ages 25-35), they explore how couples often aspire to upgrade but may feel uncertain about where to begin. Watch to understand the importance of setting a realistic budget, aligning property choices with long-term goals, and learning about financial readiness, rental strategies, and managing cash flow. They also provide an overview of current property prices and waiting times.   Does this persona represent you? Unsure whether to invest in a BTO, resale HDB, or condo? This episode will shed light on each option, their respective timelines, and government regulations—each of which requires careful consideration.   Timestamps: 00:00 Intro 00:55 Persona Wayne & Joanne (1st Time Buyer) 07:50 Unsure buyers 09:30 Hard to be a house husband 10:40 Timeline 16:18 Different risks 17:10 Thinking about your exit 22:25 Fears of a 27 years old 33:06 Waiting and save up for a better property 42:40 Rental yield play 50:59 Price now of BTO 1:01:15 Ideal advice 1:05:24 Next episode 1:05:58 Bloopers

In Episode 115 of the She Shield Podcast, we are thrilled to welcome Aimee Langdon, the President of Langdon Tactical Technology (LTT). Aimee is a seasoned global business professional with over 18 years of experience in business development, sales, and marketing. She has successfully led global sales and operations teams, demonstrating a steadfast commitment to delivering exceptional results for both her customers and her business.Aimee holds a Bachelor of Arts in Strategic Communication from the University of Minnesota's School of Journalism and a Master of Business Administration from the University of St. Thomas. Her academic achievements complement her professional expertise, showcasing a balanced blend of strategic thinking and leadership.Outside the boardroom, Aimee is a dynamic mom and a highly accomplished athlete. She has secured four 1st-place finishes in the Women's Elite Tactical Games and earned 2nd place at the Tactical Games Nationals. A former national baton twirling competitor and the Feature Twirler for the University of Minnesota, Aimee's dedication to excellence spans diverse disciplines. Her passion for fitness is further evidenced by her three CrossFit training certifications.Join us as Aimee shares insights into her journey as a business leader, athlete, and mom, offering inspiration and actionable advice for women seeking to excel in every area of life.Follow the pod on instagram for more episode updates @sheshieldpod. Thank you all for your encouragement and support. If you are interested in exclusive content, become a Patreon here: https://www.patreon.com/sheshieldpodPodcast Sponsors: Links and CodesBig Tex Ordnance: your soon-to-be favorite retailer for all of your firearms needs. Use code “FIT4FIA” for 10% off your BTO order and to support the pod via https://www.bigtexordnance.com/?ref=79990 Walkers Inc. Hearing Protection: Use code “SHESHIELD20” to save and to support the pod https://www.walkersgameear.com/ SOG: Use code “SHESHIELD” to save and to support the pod https://sogknives.com/ GPS Range Bags: Use code “SHESHIELD20” to save and to support the pod https://www.goutdoorsproducts.com/ Birchwood Casey: Use code “SHESHIELD20” to save and to support the pod  https://www.birchwoodcasey.com/ Cold Steel: Use code “SHESHIELD20” to save and to support the pod https://www.coldsteel.com/ Ciguera Gear:  https://ciguera.com/ All links: https://linktr.ee/sheshieldpodHold My Guns Firearms Storage for Those in Need: https://www.holdmyguns.org/Resources mentioned in this episode: 1. More about Aimee2. Langdon Tactical Educational Resources and LTT Discover3. A Girl and A Gun Website

This week on NOTG, Melvin Lim, Co-Founder and CEO of PropertyLimBrothers chats with Sarah-Mae Thomas, a seasoned divorce & family lawyer who has practiced law across several continents and now leads her own firm in Singapore. Known for her compassionate yet pragmatic approach, Sarah-Mae shares how her faith and a life-changing case shifted her perspective on divorce, making her an advocate for therapeutic justice.Sarah-Mae shares about the surprising realities of dividing properties in divorce cases, where ownership percentages mean little, and how cases involving short marriages differs from long-term unions. She also unpacks the challenges faced by young couples who separate after applying for a BTO flat but before meeting the MOP, along with the complexities surrounding inheritance and overseas properties.Beyond the legalities, Sarah-Mae reveals her personal journey of building her own firm and maintaining balance in a high-stress profession. Join us for an eye-opening conversation that explores the intersection of divorce and real estate, providing thoughtful insights for navigating one of life's toughest transitions.

In this must-listen episode of She Shield, we welcome Scott Jedlinski of Modern Samurai Project, a leading voice in firearms training and tactical expertise. Known for his specialization in red dot-equipped pistols, Scott breaks down the advantages of this technology for both tactical professionals and civilian self-defense practitioners, sharing practical tips to overcome the learning curve.Scott's journey to becoming a Master class USPSA shooter and earning the prestigious F.A.S.T. Drill (#15) coin is a testament to his dedication and skill. He shares key milestones and training breakthroughs that helped him reach elite status.As a Brazilian Jiu-Jitsu brown belt, Scott also discusses how his martial arts background shapes his approach to close-quarters combat and self-defense training. Additionally, he dives into his work with elite units like the FBI National Tactical Training Unit and SWAT teams, highlighting the challenges and solutions for integrating pistol-mounted optics in high-stakes scenarios.Packed with actionable insights and inspiration, this episode is perfect for anyone looking to sharpen their tactical edge. Tune in for an engaging conversation with one of the best in the business!Follow the pod on instagram for more episode updates @sheshieldpod. Thank you all for your encouragement and support. If you are interested in exclusive content, become a Patreon here: https://www.patreon.com/sheshieldpodPodcast Sponsors: Links and CodesBig Tex Ordnance: your soon-to-be favorite retailer for all of your firearms needs. Use code “FIT4FIA” for 10% off your BTO order and to support the pod via https://www.bigtexordnance.com/?ref=79990 Walkers Inc. Hearing Protection: Use code “SHESHIELD20” to save and to support the pod https://www.walkersgameear.com/ SOG: Use code “SHESHIELD” to save and to support the pod https://sogknives.com/ GPS Range Bags: Use code “SHESHIELD20” to save and to support the pod https://www.goutdoorsproducts.com/ Birchwood Casey: Use code “SHESHIELD20” to save and to support the pod  https://www.birchwoodcasey.com/ Cold Steel: Use code “SHESHIELD20” to save and to support the pod https://www.coldsteel.com/ Ciguera Gear:  https://ciguera.com/ All links: https://linktr.ee/sheshieldpodHold My Guns Firearms Storage for Those in Need: https://www.holdmyguns.org/Resources mentioned in this episode: 1. Scott's Website2. YouTube video mentioned in episode3. Steve Anderson Resources4. SHOT Show Course

This week on the Primo epsiode, Jesse and Katie discuss alleged CEO shooter Luigi Mangione. Plus, Jesse gets blocked. Suspect in CEO's Killing Had Discussed His Health Struggles on Reddit - The New York TimesExclusive: Luigi's Manifesto - Ken KlippensteinPerceptions of Sexual Orientation From Minimal CuesFacial Structure Predicts Sexual Orientation in B… To hear more, visit www.blockedandreported.org

          We start this episode with Tom telling the story of how he almost got fired from his job – and how it almost meant the end of Famous Lost Words before it even started! Then we continue with our series on ‘70s Rock.  Last week we featured Boston, The Doobie Brothers, Jethro Tull, BTO and others.  This week, more from that era, including a great series of interview clips with Mick Jones and Lou Gramm of Foreigner, with the latter taking a big swing at the former's dictatorial ways.           Then a very interesting interview with Journey, right from the time when they are about to take off – but haven't yet had a major hit.           We also have another early career interview with ELO – and the struggle to marry classical and rock and make it work in a live setting.           Plus, Dennis DeYoung from Styx explains how a Chicago disc jockey changed the fortunes of that band.           Then, in a clip from the mid ‘70s, Steve Priest of Sweet tells us how they changed their image before they hit North America – and explains the story behind Ballroom Blitz.           And for Canadian rock fans, we have Prism and Trooper telling us about ambitious plans, their biggest hits, and the toughest Canadian audience to play for. Lost Words, hosted by Christopher Ward and Tom Jokic, is heard in more than 100 countries worldwide and on radio stations across Canada, including Newstalk 1010 Toronto, CJAD 800 Montreal, 580 CFRA Ottawa, AM 800 CKLW Windsor, 610 CKTB St Catharines, CFAX Victoria, AM1150 Kelowna and 91x in Belleville.  It is in the Top 20% of worldwide podcasts based on the number of listeners in the first week.

Not Fragile by Bachman-Turner Overdrive, released in 1974, is a landmark hard rock album that solidified the band's presence in the rock scene. Known for its raw, muscular sound, the album features heavy guitar riffs and the deep, distinctive vocals of Randy Bachman. The title track, Not Fragile, sets the tone with its powerful, aggressive sound, while "You Ain't Seen Nothing Yet" became the band's signature hit, combining a catchy, stuttering chorus with blues-rock energy. The album blends hard rock with elements of blues and boogie, appealing to fans of both heavier and classic rock. With its anthemic tracks and straightforward rock and roll attitude, Not Fragile has remained a fan favorite and is celebrated as one of BTO's most successful records.Listen to the album on SpotifyListen to the album on Apple MusicWhat did you think of this album? Send us a text! Support the showPatreonWebsitePolyphonic Press SubredditFollow us on InstagramContact: polyphonicpressmusic@gmail.comDISCLAIMER: Due to copyright restrictions, we are unable to play pieces of the songs we cover in these episodes. Playing clips of songs are unfortunately prohibitively expensive to obtain the proper licensing. We strongly encourage you to listen to the album along with us on your preferred format to enhance the listening experience.

We've been doing this show for almost 7 years and we're finally doing series of episodes on that much maligned and much beloved genre… ‘70s rock! This week, we have classic interviews with the likes of Brad Delp, the phenomenal lead singer of Boston, who we lost far too soon.  Delp talks about his humble beginnings as well as the obsessive leader of the group, Tom Scholz. We also have some great clips from the Doobie Brothers.  One is from their mid-‘70s heyday, one is with Michael McDonald – and then we have Tom's 2018 conversation with guitarist Patrick Simmons.  And there's a very good reason you haven't heard this interview sooner… but it's an embarrassing one (for Tom)! Also, Ian Anderson from Jethro Tull talks about the very funny origin of the band's name and the story behind their first hit And we take care of business with one of the most popular bands in Canadian history - BTO! And Christopher talks about one of the greatest musical experiences of his life – and it happened just a few weeks ago!  Lost Words, hosted by Christopher Ward and Tom Jokic, is heard in more than 100 countries worldwide and on radio stations across Canada, including Newstalk 1010 Toronto, CJAD 800 Montreal, 580 CFRA Ottawa, AM 800 CKLW Windsor, 610 CKTB St Catharines, CFAX Victoria, AM1150 Kelowna and 91x in Belleville.  It is in the Top 20% of worldwide podcasts based on the number of listeners in the first week.

Jesley, Alexa, and George from PropertyLimBrothers talk about the FED's 15% interest rate cut could reshape the real estate market in 2025. With the rate reduction aimed at curbing inflation, the property market is buzzing with new opportunities. If you're newly married, early in your career, and looking to make the smartest property move—this episode is for you. They break down the impact of lower interest rates on property demand, discussing whether now is the time to buy or if waiting is a smarter strategy. Is the resale market about to heat up? How will enhanced housing grants and reduced loan-to-value ratios affect HDB buyers? Through the persona of a young couple, Wayne and Joanne—fresh graduates navigating their first big property decision—our team answers key questions like: Should you choose a BTO flat or resale HDB? What about a 2-bedroom condo? And how do you make sure your first property sets you up for future capital gains?   With engaging discussions on grants, market trends, and future-proofing your real estate decisions, this episode provides actionable insights tailored for those in the Spring of life. More on this episode!   Timestamps: 00:00 Intro 01:25 Article: "Fed slashes interests rates by a half point" 03:35 Client's opinions on interest rate cuts 05:21 Article: "2 ways the latest fed interest rate cut affects Singaporean homeowners" 08:59 Article: "Measures to cool the HDB resale market and provide more support for first-time home buyers" 09:28 Thoughts on latest cooling measure 10:43 Who is affected by the cooling measure? 13:53 Increase in Enhanced CPF Housing Grants (EHG) 14:30 Who is affected by the cooling measure? (Continue) 18:59 Article: "How would reduced loan-to-value (LTV) limit, larger housing grants affect HDB buyers?" 19:58 Article: "Vast majority of HDB buyers not affected by tighter loan-to-value (LTV) limit" 21:09 Wayne and Joanne introduction 22:12 Advice for Wayne and Joanne 42:24 George's life experiences and property buying journey 47:41 Advice: "First-time home buyers should take their time and get a second opinion before buying a home" 48:19 Alexa's life experiences and property buying journey 50:43 3 factors to determine what properties you can buy 51:11 Advice: "First-time home buyers should take their time and get a second opinion before buying a home" (Continue) 52:20 Teaser for Part 2 52:52 Outtakes

Join Michelle Martin as she explores what every new buyer of HDB flats needs to understand about the new public housing classification system in Singapore. Host Michelle Martin invites Ivan Cai, Head of Research at I Quadrant to join the lively discussion.This episode delves into the implications of the new Standard, Plus, and Prime BTO flats. Discover how these changes might affect demand, resale market dynamics, and whether the 6-9% subsidy clawback will impact housing prices. Plus, learn about the new options for singles and what these shifts mean for future BTO buyers.See omnystudio.com/listener for privacy information.

Send us a textAs we say farewell to September… Tom Pattinson's reflecting on a patchy but canny spring summer of flowers and crops… and the joys of soft and top fruits… and growing tetties for Christmas!Tom Cadwallender's full of good news about the breeding season… and he's following migrations and keeping tabs on crossbills… And we'll be looking at the results of this year's Big Butterfly Count, Dr Zoe Randle from Butterfly Conservation is here to tell us more…And we've got some top tips for the garden from Tom P…  Support the showYou can follow Tom Pattinson, Steve and Tom Cadwallender and our wonderful guests and featured flowers, birds and projects on Twitter: @gardenersradio @TheNatureGarden and on Facebook: The Nature Garden. And you can tune in to our monthly live radio show on Saturdays at 11am on www.lionheartradio.com Or email us: gardenersradio@outlook.comThank you for your support!Music link: Gaia by Carl Cape Band on Amazon Music - Amazon.co.uk

In this episode of Everything IS Golden, Bo chats with legendary musician Randy Bachman discusses his storied career in music, from his time with The Guess Who to BTO's crossover success. Bachman opens up about the personal and physical challenges he's faced, including a life-threatening gallbladder condition and his commitment to a sober lifestyle. He also shares anecdotes about iconic figures in music, the importance of understanding the music business, and the emotional journey of being reunited with a prized Gretsch guitar after 48 years. With heartfelt discussions on faith, family, and the unending joy of performing, this episode is a deep dive into the resilience and passion that drive Randy Bachman. Learn more about your ad choices. Visit megaphone.fm/adchoices

In part two of Melvin's catch-up with The Weeblings, Sara and Aaron talk about how they tackle the high cost of living in Singapore, the significant challenges of saving for a house down payment, and the pervasive influence of social media on financial habits, highlighting how these factors shape their investment strategies.   Topics include breaking down miles versus cashback, giving tips on using cards like the DBS Women's World Card and UOB Preferred Platinum Visa. Sara shares valuable tips on maximising rewards, managing multiple credit cards, and, crucially, avoiding the pitfalls of credit card debt.   The Weeblings address the challenges of the competition for BTO flats, and the impact of rising salaries on small businesses. They also discuss the cooling measures affecting property investments and the shift in housing plans among young Singaporeans, including preferences between BTO and resale flats. More on this concluding episode!   Timestamps 00:00 Intro 00:58 Getting recognised 01:52 Credit card strategies (Miles/Cashback) 06:33 Keep up with credit card rewards 07:43 Best credit card for dining 08:11 Fear of people copying online content 10:30 Debt management 12:15 Struggle of getting your first house in Singapore 21:16 Live in a HDB forever? 23:10 Will Cooling Measures hold prices next year? 25:48 Melvin's investment strategy 30:16 Future plans of The Weeblings 32:36 First YouTube Channel 37:28 Advice for young content creators 38:36 Candor Cards 39:20 What does Aaron want more than anything? 43:01 Sara's biggest choice that changed her life? 45:35 Closing thoughts 46:02 Outtakes

In this second part of the four seasons framework discussion, Jesley, Jun Wei, and Melvin Lim dive into the Spring season of property investment—a time when life starts to bloom with new opportunities. Today, we're focusing on the personas of a typical Singaporean couple at age 33, who are making the big leap from a BTO flat to a condo. Jun Wei's got some real-world experience here that makes this topic super relatable.   We're also taking a closer look at the nuts and bolts of property investments. Jesley and Melvin break down the financial benefits of splitting your investments, and they even bring out PLB's proprietary ROI calculator to show how you can maximise returns from rental income, manage expenses, and grow your capital gains. They use a real couple's journey to show exactly how this plays out—because seeing the numbers in action makes all the difference.   To wrap it up, the team compares different investment strategies, digging into case studies that highlight the differences in rental yield and capital appreciation when you invest in one big condo versus two smaller ones. This is essential stuff for anyone thinking about upgrading their home, balancing the need for more space with the potential for better financial outcomes.

The boys got a flood update from Danbury Mayor Roberto Alves. Lou's itchy face interrupts a commercial read. Lou shares one of his most embarrassing moments of all time from the Bridgewater Fair this past weekend. Randy Bachman from BTO checks in for a two-part interview. The boys found out that one of the top social media influencers in America is in Mahopac.

Founding member of "The Guess Who" and "BTO", Randy Bachman joined the I-95 Morning Show on Monday. Randy revealed how cold Winnipeg hockey practices pushed him into music. Randy also explained how his epic guitar auction went recently.

NOTG Banter is back! Jesley and Jun Wei, Listing Managers at PropertyLimBrothers, joins Melvin Lim for an engaging discussion focusing on the four seasons framework for property investment, exploring how different stages of life impact investment strategies.   Seven buyer personas will be examined over the next six months, starting with Wayne and Joanne, a young couple navigating the complexities of their first property purchase. With a combined income of $8,000, they face the common fears and challenges that many first-time buyers experience, such as securing a BTO and dealing with conflicting advice. The team shares case studies and highlights alternative strategies, emphasising the importance of informed decision-making and future planning in property investment.   Stay tuned for more insights into the financial implications of various property decisions, “rentvesting”, and the strategic importance of layouts and the future competition between properties. They also discuss leveraging bank loans and clarify the legality and sensitivity of the 99-1 ownership scheme for asset progression.   (00:00:00) Intro (00:00:50) New Launch Convention Recap (00:02:04) 4 seasons of investing in property (00:07:58) Introduction of all personas (00:10:13) Introduction of Wayne & Joanne (Persona A - 1st Time Buyer) (00:16:24) Age 27+ / How long should you wait for a BTO attempt (00:18:51) Case study (00:26:47) "Showing of funds" (00:29:38) 99-1 ("Big Hoo-ha") (00:31:57) 99-1 Things NOT allowed (00:34:12) 99-1 What is allowed (00:35:23) Case study decision / "Rentvesting" (00:40:06) Couples with no kids splitting a property (00:43:22) What if there was no input of $700K? (00:47:15) Consider looking at ECs (00:47:50) What will condos compete on in the future? (00:48:59) Hundred Palms 3-Bedder efficient floorplan layout (00:57:17) Strategy for high-income earners below 35 years old (00:58:16) Persona B - HDB Upgrader Teaser (00:58:45) Outtakes

Pamela McNeill knew from an early age that music would be her life. She joined her first rock band at 16 and learned quickly how to connect with her audience. A native of Winona, Minnesota, Pamela resides in Minneapolis. Her career has taken her all over the world including four years in the UK as a backing singer for Rick Astley, performing with him at Royal Albert Hall and The London Palladium for the Royal Family and appearing on many television shows such as BBC's “Top of the Pops”. As a prolific songwriter, she wrote her first song at 15 and has written for and with a wide range of other artists including Wynonna Judd, Jim Peterik and Yanni, and has co-written tracks with fellow songwriters such as Pam Tillis and Bobby E. Boyd. Pamela began releasing albums in 1999 and to date has released seven studio albums. She has headlined theaters and festivals across the country in support of her music and has opened for artists including Etta James, Little River Band, Atlanta Rhythm Section and BTO, to name a few. Pamela is excited to release "Wave After Wave," her eighth original studio recording on Farm to Label Record, July 26th (color vinyl) and August 2nd (digital). In 2024, she was honored by being inducted into the Minnesota Music Hall of Fame.   Pam's Info https://www.pamelamcneill.com    

听前提示一、一段对话为四句，将分成两句为一小节。二、每小节两遍英文，最后一遍英文一边中文。三、根据中英文意思，听不懂的可以多听几遍。原文Conversation 96A:Did you sleep well?你睡得好吗?B:No, I didn't sleep very well.不，我睡得不太好。A: I thought I heard you tossing and turning in your bed.我好像听到你在床上辗转反侧。B: I was too hot and the mosquitoes were annoying me too.天气太热了，蚊子也很烦。Conversation 97A:What are you doing?你在做什么?B:I'm getting ready for the camping trip.我正在为野营旅行做凖备。A:Have you ever been camping before?你以前野营过吗？B:This is my first time and I'm really looking forward to it.这是我的第一次野营旅行，我很期待。Conversation 98A: If you don't mind, can we postpone our business meeting till next Tuesday?如果您不介意的话，我们可以把商务会议推迟到下周二吗？B:That's fine with me.这对我来说没问题。A: I am still waiting for feedback from my associates and need their data and input.我还在等我同事的反馈，需要他们的数据和意见。B:That suits me too, it will give me more time to think of questions to ask you.这也很适合我，这样我就有更多时间来思考想问的问题。Conversation 99A:Brian, where would you like to go?布莱恩，你想去哪里?B: To the beach!去海边！A:Sounds good. But there's a lot of jellyfish in August. How about going to the mountains?听起来不错。但是八月有好多水母。去山上怎么样?B: I hate hiking in a hot weather. I want to go swimming.我讨厌在天热的时候去徒步旅行。我想去游泳。Conversation 100A:I'm afraid I must be off now.恐怕我现在得走了。B:It's only 8 O'clock.才八点钟。A: I have an exam tomorrow. I should start studying.我明天要考试。我应该开始学习了。B:Good luck!祝你好运！

{{{{FOLLOW THE INVESTING UNSCRIPTED PODCAST}}}} YouTube: https://www.youtube.com/@InvestingUnscripted/videos Spotify: https://open.spotify.com/show/7mbqwY9bh2JeNAOi7rBDRo Apple Podcasts: https://podcasts.apple.com/us/podcast/investing-unscripted/id1638200302 This is an episode from the Investing Unscripted Podcast. Enjoy this special episode! ***************************************************************** Thousands of articles and dozens of books have been written about Warren Buffett, attempting to decode the secrets behind his phenomenal success. Of this large group, a small number stand out as the best. This group includes The Warren Buffett Way, written by Robert Hagstrom. This week, Jeff and Jason sat down with Robert ahead of the release of the 30th anniversary edition to discuss the book, his thoughts on Buffett, investing, Berkshire Hathaway, and a lot more. Companies mentioned: BRK.A, BRK.B ****************************************** To get 15% off any paid plan at finchat.io, visit https://finchat.io/unscripted ****************************************** Email: investingunscripted@gmail.com Twitter: @InvestingPod Check out our YouTube channel for more content: https://www.youtube.com/@InvestingUnscripted ****************************************** Investing Unscripted is brought to you by Public.com* *Options are not suitable for all investors and carry significant risk.  Option investors can rapidly lose the value of their investment in a short period of time and incur permanent loss by expiration date. Certain complex options strategies carry additional risk.  There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, among others, as compared with a single option trade. Prior to buying or selling an option, investors must read and understand the “Characteristics and Risks of Standardized Options”, also known as the options disclosure document (ODD) which can be found at: www.theocc.com/company-information/documents-and-archives/options-disclosure-document Supporting documentation for any claims will be furnished upon request. If you are enrolled in our Options Order Flow Rebate Program, The exact rebate will depend on the specifics of each transaction and will be previewed for you prior to submitting each trade. This rebate will be deducted from your cost to place the trade and will be reflected on your trade confirmation. Order flow rebates are not available for non-options transactions. To learn more, see our Fee Schedule, Order Flow Rebate FAQ, and Order Flow Rebate Program Terms & Conditions. Options can be risky and are not suitable for all investors. See the Characteristics and Risks of Standardized Options to learn more. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, Inc., member FINRA & SIPC. See public.com/#disclosures-main for more information. ***************************************** Find the 2024 Portfolio Contest here: https://tinyurl.com/2024contest Find the 2023 Portfolio Contest here: https://tinyurl.com/Smatterfolio2023

Join us for an engaging conversation with Brennan Brennecke of Gateway Defense as we dive deep into the world of competitive shooting, training, and firearms instruction. Brennan shares his journey from novice shooter to lead pistol instructor at Vortex Optics, and now running his own training company. We discuss the benefits of competitive shooting for skill development, the importance of proper training, and Brennan's experiences in the industry. Whether you're a seasoned competitor or just getting started, this episode is packed with valuable insights and entertaining anecdotes.Find out more about Gateway Defense at https://www.gateway-defense.com/  Episode Timeline:00:00:00 - Introduction and Brennan's background00:09:00 - Discussion on recent BTO range class00:14:00 - Competitive shooting and its benefits00:26:00 - USPSA matches and major competitions00:35:00 - Training philosophy and skill development00:47:00 - Competition guns and gear00:54:00 - Upcoming events and classes00:58:00 - Closing thoughts and contact informationDon't forget to like, subscribe, and leave a comment if you enjoyed the episode!If you like our content and want to support the channel head over to Big Tex Ordnance!This promotes our new weekly update on Youtube and the blog.

Jane Benson joins Jim and John to talk about the Wisconsin Grass Roots Festival which is coming up this Saturday at Lawrence University. The festival encourages networking among many organizations and is an ideal venue for connecting them to citizens who are looking for a way to get involved. Click HERE for more details on the festival. Then Josh Theis from Options for Independent Living, a non-profit 501(c)3 organization committed to empowering people with disabilities to lead independent and productive lives in their community through advocacy, the provision of information, education, technology and related services. The organization serves 17 counties in Wisconsin and has a model home in Green Bay you can tour to get more information about the services they offer. Click HERE for more information about Options for Independent Living. Also, do you remember The Gator Dance for the song "Taking Care of Business" from BTO? Here's what it looked like. Click HERE. Guests: Jane Benson, Josh Theis

Thousands of articles and dozens of books have been written about Warren Buffett, attempting to decode the secrets behind his phenomenal success. Of this large group, a small number stand out as the best. This group includes The Warren Buffett Way, written by Robert Hagstrom. This week, Jeff and Jason sat down with Robert ahead of the release of the 30th anniversary edition to discuss the book, his thoughts on Buffett, investing, Berkshire Hathaway, and a lot more.  Companies mentioned: BRK.A, BRK.B ****************************************** To get 15% off any paid plan at finchat.io, visit https://finchat.io/unscripted ****************************************** Email: investingunscripted@gmail.com Twitter: @InvestingPod Check out our YouTube channel for more content:  https://www.youtube.com/@InvestingUnscripted ****************************************** Investing Unscripted is brought to you by Public.com* *Options are not suitable for all investors and carry significant risk.  Option investors can rapidly lose the value of their investment in a short period of time and incur permanent loss by expiration date. Certain complex options strategies carry additional risk.  There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, among others, as compared with a single option trade. Prior to buying or selling an option, investors must read and understand the “Characteristics and Risks of Standardized Options”, also known as the options disclosure document (ODD) which can be found at: www.theocc.com/company-information/documents-and-archives/options-disclosure-document Supporting documentation for any claims will be furnished upon request. If you are enrolled in our Options Order Flow Rebate Program, The exact rebate will depend on the specifics of each transaction and will be previewed for you prior to submitting each trade. This rebate will be deducted from your cost to place the trade and will be reflected on your trade confirmation. Order flow rebates are not available for non-options transactions. To learn more, see our Fee Schedule, Order Flow Rebate FAQ, and Order Flow Rebate Program Terms & Conditions. Options can be risky and are not suitable for all investors. See the Characteristics and Risks of Standardized Options to learn more. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, Inc., member FINRA & SIPC. See public.com/#disclosures-main for more information. ***************************************** Find the 2024 Portfolio Contest here: https://tinyurl.com/2024contest Find the 2023 Portfolio Contest here:  https://tinyurl.com/Smatterfolio2023 --- Support this podcast: https://podcasters.spotify.com/pod/show/investing-unscripted/support

Today Jack is joined by Creative Conservationist, Wildlife Artist, Poet and generally lovely person Alicia Hayden to discuss wildlife artivism. They explain what this is and how it can make science far more accessible!  The pair also chat about how Alicia grew up drawing and writing little stories about ants, her work with organisations like the BBC and BTO, and how she has written and published 3 collections of poetry!  Alicia's third collection, 'Multi-Coloured Ghost Towns', is out now! Useful Links Don't forget to subscribe to the podcast and follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! We are @PangolinPodcast

THE MIKE GORMLEY SHOW - Featuring Randy Bachman - BTO & The Guess Who - IN OVERTIME! Hear the story about Randy's lost and found guitar! Mike welcomes legendary guitarist, Randy Bachman! Randy is a Canadian guitarist, singer, and songwriter. He was a founding member of the bands The Guess Who and Bachman–Turner Overdrive. Bachman recorded as a solo artist and was part of several short-lived bands such as Brave Belt, Union, and Ironhorse. Mike & Randy explore his music with a soundtrack that includes: Takin' Care Of Business (BTO) You Ain't Seen Nothin' Yet (BTO) Let It Ride (BTO) Roll On Down The Highway (BTO) American Woman (The Guess Who) These Eyes (The Guess Who) Undun (The Guess Who) Randy's Socials: / randybachmanofficial / randybachman / randysvinyltap / randybachmanofficial / bachmanturneroverdrive / bachmanturneroverdrive / btobandofficial Bachman-Turner Overdrive is back! Led by rock legend Randy Bachman, BTO is on tour in 2024. The live show blends BTO's classic hits with fresh energy and also includes classic songs from Bachman's other famous band, The Guess Who. For more info and tickets, visit www.BTOBand.com or www.RandyBachman.com The Mike Gormley Show Host | Mike Gormley Executive Producer | Jeremiah D. Higgins Producer - Sound Engineer - Graham Palmer | Surprise Studio Mike Gormley's Website www.lapersdev.com/ On Instagram, Follow Mike Gormley Here: @gormster1 @lapersonaldevelopment On facebook: / mike.gormley.10 www.thejeremiahshow.com On Instagram @jeremiahdhiggins linktr.ee/jeremiahdhiggins @RandyBachman @thewho5803 #bachmanturneroverdrive #thewho #rockstar

Influencing the next generation with explicit description of Drake's shmeat. Thank you York University and BTO for hosting us! If you want learn more about BTO and donate for yourself go to https://blanketsforto.ca/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

THE MIKE GORMLEY SHOW - Featuring Randy Bachman - BTO & The Guess Who Mike welcomes legendary guitarist, Randy Bachman! Randy is a Canadian guitarist, singer, and songwriter. He was a founding member of the bands The Guess Who and Bachman–Turner Overdrive. Bachman recorded as a solo artist and was part of several short-lived bands such as Brave Belt, Union, and Ironhorse. Mike & Randy explore his music with a soundtrack that includes: Takin' Care Of Business (BTO) You Ain't Seen Nothin' Yet (BTO) Let It Ride (BTO) Roll On Down The Highway (BTO) American Woman (The Guess Who) These Eyes (The Guess Who) Undun (The Guess Who) Randy's Socials: / randybachmanofficial / randybachman / randysvinyltap / randybachmanofficial / bachmanturneroverdrive / bachmanturneroverdrive / btobandofficial Bachman-Turner Overdrive is back! Led by rock legend Randy Bachman, BTO is on tour in 2024. The live show blends BTO's classic hits with fresh energy and also includes classic songs from Bachman's other famous band, The Guess Who. For more info and tickets, visit www.BTOBand.com or www.RandyBachman.com The Mike Gormley Show Host | Mike Gormley Executive Producer | Jeremiah D. Higgins Producer - Sound Engineer - Graham Palmer | Surprise Studio Mike Gormley's Website http://www.lapersdev.com/ On Instagram, Follow Mike Gormley Here: @gormster1 @lapersonaldevelopment On facebook: / mike.gormley.10 www.thejeremiahshow.com On Instagram @jeremiahdhiggins https://linktr.ee/jeremiahdhiggins @RandyBachman @thewho5803 #bachmanturneroverdrive #thewho #rockstar

Recorded live on KX FM 104.7 in Laguna Beach, California, today's Keith's Music Box show features Grand Funk Railroad, The Clash, The Plimsouls, U2, The Church, Cat Stevens, Radiohead, Gerry Rafferty, Gomez, Asia, Europe, America, Joe Jackson, Men at Work, Small Faces, Sugarloaf, Arctic Monkeys, INXS, Paul Simon, BTO, Steppenwolf, The Band, Otis Redding, Canned Heat, The Zombies and Queen.

Far too many candidates demonstrate poor knowledge of consulting by insisting that they want to work for McKinsey strategy and not operations or BTO. This is a flawed strategy which will only hurt their chances in the short, medium and long-term. This podcast explains why and how to compensate for this misunderstanding. Here are some free gifts for you: Overall Approach Used in Well-Managed Strategy Studies free download: www.firmsconsulting.com/OverallApproach McKinsey & BCG winning resume free download: www.firmsconsulting.com/resumepdf Enjoying this episode? Get access to sample advanced training episodes here: www.firmsconsulting.com/promo